{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/38.2-130.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/38.2-130.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/38.2-130.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/38.2-130.html"}],"law_id":75005,"edition_id":1,"section_id":75005,"structure_id":13746,"section_number":"38.2-130","catch_line":"Homeowners insurance","history":"1986, c. 562.","full_text":"&#8220;Homeowners insurance&#8221; is a combination multi-peril policy written under the provisions of \u00a7 38.2-1921 containing fire, miscellaneous property, and liability coverages, insuring primarily (i) owner-occupied residential real property pursuant to \u00a7 38.2-2108, (ii) personal property located in residential units, or (iii) any combination thereof.","order_by":null,"text":{"0":{"id":269431,"text":"&#8220;Homeowners insurance&#8221; is a combination multi-peril policy written under the provisions of \u00a7 38.2-1921 containing fire, miscellaneous property, and liability coverages, insuring primarily (i) owner-occupied residential real property pursuant to \u00a7 38.2-2108, (ii) personal property located in residential units, or (iii) any combination thereof.","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1}},"ancestry":[{"id":13746,"edition_id":1,"name":"Insurance Classified and Defined","identifier":"2","label":"article","depth":3,"order_by":1,"parent_id":13745,"metadata":{},"date_created":"2026-06-26 03:45:45","date_modified":"2026-06-26 03:45:45","permalink":{"id":210675,"object_type":"structure","relational_id":13746,"identifier":"2","token":"38.2\/1\/2","url":"\/38.2\/1\/2\/","edition_id":1,"permalink":0,"preferred":1}},{"id":13745,"edition_id":1,"name":"General Provisions","identifier":"1","label":"chapter","depth":2,"order_by":1,"parent_id":12698,"metadata":{},"date_created":"2026-06-26 03:45:45","date_modified":"2026-06-26 03:45:45","permalink":{"id":210663,"object_type":"structure","relational_id":13745,"identifier":"1","token":"38.2\/1","url":"\/38.2\/1\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12698,"edition_id":1,"name":"Insurance","identifier":"38.2","label":"title","depth":1,"order_by":1,"parent_id":null,"metadata":{},"date_created":"2026-06-26 03:43:49","date_modified":"2026-06-26 03:43:49","permalink":{"id":210661,"object_type":"structure","relational_id":12698,"identifier":"38.2","token":"38.2","url":"\/38.2\/","edition_id":1,"permalink":0,"preferred":1}}],"structure_contents":[{"id":72897,"structure_id":13746,"section_number":"38.2-101","catch_line":"Classification of 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The record of its establishment is cataloged in chapter 562 of that year\u2019s edition of \u201cActs of Assembly,\u201d the annual state publication listing all changes made to the Code of Virginia in that year. Unfortunately, the 1986 \u201cActs\u201d aren\u2019t available online.<\/p>","references":[{"id":72177,"section_number":"32.1-137.7","catch_line":"Definitions","order_by":null,"url":"\/32.1-137.7\/"},{"id":63369,"section_number":"32.1-138.6","catch_line":"Definitions","order_by":null,"url":"\/32.1-138.6\/"},{"id":67482,"section_number":"38.2-1800","catch_line":"Definitions","order_by":null,"url":"\/38.2-1800\/"},{"id":74191,"section_number":"38.2-1902","catch_line":"Scope of chapter","order_by":null,"url":"\/38.2-1902\/"},{"id":62065,"section_number":"38.2-2503","catch_line":"Classes of insurance that may be written by mutual assessment property and casualty insurers; minimum surplus to policyholders required","order_by":null,"url":"\/38.2-2503\/"},{"id":87324,"section_number":"38.2-2800","catch_line":"Definitions","order_by":null,"url":"\/38.2-2800\/"},{"id":67887,"section_number":"38.2-2900","catch_line":"Definitions","order_by":null,"url":"\/38.2-2900\/"},{"id":65411,"section_number":"38.2-2901","catch_line":"Association activation; members; purpose; determinations by Commission; powers of Association","order_by":null,"url":"\/38.2-2901\/"},{"id":76092,"section_number":"38.2-401","catch_line":"(Effective July 1, 2026) Fire Programs Fund","order_by":null,"url":"\/38.2-401\/"},{"id":66131,"section_number":"38.2-5020","catch_line":"Assessments","order_by":null,"url":"\/38.2-5020\/"}],"refers_to":[{"id":81510,"section_number":"38.2-1921","catch_line":"Combination policies","order_by":null,"url":"\/38.2-1921\/"},{"id":54378,"section_number":"38.2-2108","catch_line":"Standards for content of fire insurance policies","order_by":null,"url":"\/38.2-2108\/"}],"permalink":{"id":210817,"object_type":"law","relational_id":75005,"identifier":"38.2-130","token":"38.2\/1\/2\/38.2-130","url":"\/38.2-130\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/38.2-130\/","token":"38.2\/1\/2\/38.2-130","dublin_core":{"Title":"Homeowners insurance","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-130","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t<section><p>&#8220;Homeowners <span class=\"dictionary\">insurance<\/span>&#8221; is a combination multi-peril policy written under the provisions of \u00a7&nbsp;<a class=\"law\" title=\"Combination policies\" href=\"\/38.2-1921\/\">38.2-1921<\/a> containing fire, miscellaneous property, and liability coverages, insuring primarily (i) owner-occupied residential real property pursuant to \u00a7&nbsp;<a class=\"law\" title=\"Standards for content of fire insurance policies\" href=\"\/38.2-2108\/\">38.2-2108<\/a>, (ii) personal property located in residential units, or (iii) any combination thereof.<\/p><\/section>","plain_text":"                                 CODE OF VIRGINIA\n\nHOMEOWNERS INSURANCE (\u00a7 38.2-130)\n\n&#8220;Homeowners insurance&#8221; is a combination multi-peril policy written\nunder the provisions of \u00a7 38.2-1921 containing fire, miscellaneous property,\nand liability coverages, insuring primarily (i) owner-occupied residential real\nproperty pursuant to \u00a7 38.2-2108, (ii) personal property located in residential\nunits, or (iii) any combination thereof.\n\nHISTORY: 1986, c. 562.","edition":{"id":1,"name":"2025","slug":"2025","date_created":"2026-06-21 22:39:22","date_modified":"2026-06-21 22:39:22","current":1,"order_by":1,"last_import":null}}